Think about the world we live in:
- Why wait in line when you can just order everything online?
- Why take the stairs when the elevator’s right there?
- Why exercise consistently when crash diets claim to work wonders?
We live in an age of instant gratification, where every app and ad promises shortcuts. But here’s a question worth pondering:
When did we forget that the best things in life take a little longer to cook?
The Truth We Often Forget
Despite all the changes around us, some things remain constant:
- A day still has 24 hours.
- A year still has 365 days.
- And a single drop of water can still carve through rock—if it falls consistently.
This is the lesson we often overlook:
- Hitting the gym once won’t make you fit.
- Reading a single page of a book won’t make you wise.
- And investing for a few months won’t make you rich.
But when you repeat small actions every day, they grow into something extraordinary.
SIP: The “Not-So-Overnight” Wealth Machine
Now, let’s bring this idea of “slow and steady” into the world of investments—don’t worry, we’ll keep it interesting!
Imagine you started investing ₹25,000 every month into a SIP on 1st January 2015. By 31st December 2019, you would have invested ₹15,00,000. And the results? Underwhelming. Your portfolio would have grown to ₹16.6 lakh, delivering a CAGR of just 4%.
This is when doubts creep in:
- “What’s the point of SIPs if I’m not getting better returns?”
- “Would I have been better off investing in an FD or PF?”
Many investors give up at this point, missing out on the true potential of their investments. But what happens if you stick with it? By simply extending the SIP for two more years, until 31st December 2021, everything changes.
Now, your ₹25,000 monthly SIP for 7 years (₹21,00,000 invested) grows to ₹38.65 lakh, with a CAGR of 17.1%. That’s a massive jump! SIPs have outpaced traditional options like FDs or PFs by a wide margin.
This is the power of compounding, market recovery cycles, and—above all—discipline.
Have you ever felt discouraged by your investment returns? What if you had held on a little longer?
The Lesson from a Drop of Water
When you start a habit, whether it’s hitting the gym, reading a book, or investing, it might feel small, even insignificant. But small actions done consistently over time create extraordinary results.
Your SIP might not make you a millionaire overnight, but stick with it—and one day, you’ll look back at the wealth you’ve built and thank yourself for starting.
A Thought to Leave You With
“In life, consistency beats intensity every time. Whether it’s a drop of water carving rock or or consistent investments carving out your financial future, the secret to success is showing upThe question is: Will you?”
Take a moment to identify one area in your life where you can commit to consistency. What small action will you take today?
